This coverage pays for injuries and, in some circumstances, certain property damage caused by an uninsured or a hit-and-run driver. In some cases, such as if the driver at-fault has insufficient insurance, underinsured motorist coverage can also be included.

Collision coverage

If the commercial vehicle hits or is hit by another object, this type of coverage pays for damages.

A checklist: do you need commercial auto insurance?

Do you use your vehicle to conduct a service?

The need for commercial insurance can also apply if you use your vehicle to transport goods or people for a fee.

Do you need higher liability limits?

This can apply due to the nature of your work.

Do you tow a trailer for work-related purposes?

If you haul a trailer or a lot of tools and equipment that is a considerable weight, you may need a commercial auto insurance plan.

Do your employees drive the work vehicle?

Commercial auto insurance may be needed if you have one or more employees that operate the business vehicle(s).

Is the business organized as a partnership or corporation?

If your business is structured as a partnership or corporation, a commercial auto policy may be needed to provide adequate liability coverage.